Meet Our Team

We are committed to offering you the OBJECTIVITY of
experts and the WARMTH of caring professionals. Our Mission
is to ensure you enjoy the kind of peace of mind that changes

Michael J Payne


I began working in the insurance industry right after graduating from St. Mary’s College of Maryland in 1983. Just three years later, I decided to take the leap and start my own company. Working closely with my clients to help resolve any of their insurance issues and questions is my absolute passion.

I was born in Washington D.C. and grew up in Southern Maryland. When I’m not in the office, I enjoy spending time surrounded by my family members. One of our favorite things to do is get together on the weekends and enjoy a crab feast! A few of my other hobbies include sports, fishing, and exercising.






Marisol Cardona

Director of Operations

I started my career in the insurance industry when I joined the Payne Agency in 2004. Since then I have dedicated myself to building a trustworthy community with our clients, ensuring they receive honest and caring service, which has become the hallmark of our business.

I am the Agency Director and have the fortune of working with a skilled team of associates. Together, we are committed to delivering uniquely tailored service through sharing our knowledge from years of expertise to provide our clients with the confidence and understanding of our insurance products in both, English and Spanish.

I grew up in Medellin, Colombia, and moved to the U.S in 1998. My background includes experience in business management and accounting. I love the summer, spending time with my family, yoga, and reading!


Emily Fernandez

Associate Agent

I have been involved in the insurance industry for 5 years. What I love the most about my job is all the amazing new people I get to meet on a daily basis. Getting to know my clients on a personal level gives me the opportunity to meet their insurance needs and helps me know how to best cover what matters to them most. 

I was born and raised in Lima, Peru. When I was 15 years old, my family and I came to the United States and settled in Silver Springs where I attended, and later graduated from, John F. Kennedy High School. Prior to joining the insurance world, I spent 6 years working in the medical field (Pediatrics). When I’m not working, I enjoy spending time with my amazing husband and our three beautiful daughters. We love to travel to new places and make new memories in the process. 


Ana Karina Rodriguez

Associate Agent

I have been in the insurance industry for 12+ years, specializing in Business Insurance. In 2008 I had the pleasure of meeting Michael Payne and Marisol Cardona and decided to jump into the industry by joining the team at Payne Insurance Agency, Inc. The following year I received my first P&C License and later, in 2015, my Life Insurance License. What I enjoy most about my job is having the opportunity to resolve complex issues with insurance audits, rates, and advising co-workers about various situations in order to better help our clients. 

I am originally from Montevideo, Uruguay but emigrated to the United States in 2001. I enjoy working very close to the Hispanic community by helping with their insurance needs. You can find me participating as a guest speaker at the First Time Home Buyers Seminar, informing others about Homeowners Insurance, and at Small Business Seminars answering questions and giving presentations about Business Insurance to small business owners. When I’m not in the office, you can find me traveling, going on camping trips, participating in family cookouts, listening to audiobooks and Podcasts, or participating in a Zumba or Spinning class. 

I like to volunteer my time at the St. Martin’s of Tours Church helping the soup kitchen. Additionally, I’m a participant on the events committee of the Gaithersburg Germantown Chamber of Commerce and Maryland Hispanic Chamber. 


Jacqueline Martinez

Associate Agent

I have been in the insurance industry since 2011. I work with both the personal and commercial markets. My specialty and what makes coming to work so rewarding is specializing in one-on-one detailed need analysis for all my clients. Interacting with many people on a daily basis would also be a perk because I love to talk and get to know details. I strive to provide the best service and information regarding each and every policy. It makes me happy to know at the time of an emergency, you will be adequately covered!

I was born and raised in Rockville, Maryland. I graduated from Northwest High school and love the DMV Area! My family is so incredibly important to me. You will probably hear me mention that I have two beautiful girls who are my motivation and life! When I’m not working, I am home spending quality time with my family.


Beatriz Ruiz

Senior Manager

I have been working for more than 5 years in the insurance industry as a Customer Service and Agent Assistant. Customer Service is so very important. I believe in having concrete, agile and organized alternatives, On a daily basis, I strive to serve our customers top quality service with kindness and respect.

I grew up in Colombia and graduated as a nurse. I’m passionate about gardening and interior decoration. In my free time, I like to do yoga, meditate; this helps me attract my peace. I love eating Korean dumplings and spicy chips, and I could eat them all day if I could. I also enjoy working out on my spinning bicycle to balance out all those dumplings! You can find me spending time with my family in the park, beach, or at home when I’m at work.

(301) 921-7800

We treat our clients like family.
Our mission is to help clients achieve their dreams by providing the protection required to overcome life’s challenges, and the guidance needed to thrive.

841 Quince Orchard Blvd
Ste. J
Gaithersburg, MD 20878

1100 W Patrick St Unit C Frederick, MD 21703

3600 14th St. NW Washington, DC 20010

(301) 921-7800